Ramadhan, B. B. (2025) “Financial Literacy and Risky Credit Behavior: The Mediating Role of Financial Stress in PayLater Usage”, FireNav: Financial Resilience and National Values Journal, 1(1), pp. 1–14. Available at: https://firenav.upnjatim.ac.id/index.php/firenav/article/view/1 (Accessed: 2May2025).